FlipCo Financial

Houston Hard Money Lenders

We provide direct private loans to help investors achieve project success.

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​Loan includes a rehab budget which is 100% funded.

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Close fast with no pre-payment fee.

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Allows non-owner occupied investors to leverage their funds.

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Participate in a transaction without bringing funds to the table.

Best Hard Money Lender in Houston Texas

Houston Hard Money Lenders

FlipCo Financial was founded on being the premier, easy to work with, creative Houston Hard Money Lenders, that focuses on our borrower’s needs. Our passion is partnering with real estate investors to help them achieve their goals. We work hard to build lasting relationships with our client’s by earning trust through our transparent processes and fees.

Our team here is excited about working with new and experienced investors in the great state of Texas. We take pride on being the best Houston hard money lenders and we have the track record to prove it. We get loans processed fast and have the experienced team to make sure you achieve project success. 

houston hard money lenders

Top 10 Flipping City

Houston's flipping market was ranked in the top 10 US metro areas in 2021. It draws many investors with its low and fair-valued property prices and lower remodeling costs. It's important to partner with the best Houston hard money lenders at FlipCo Financial.

Largest City in Texas

Houston is the 4th most populous city in America. It has a low-density sprawl which is fantastic for investors. The city also has a lot of space and room to grow and develop unlike fully developed cities.

Diverse & Growing

Houston is the #1 market in the US for job creation. It has an extremely good business infrastructure and residential housing costs provide an operating cost advantage to prospective investors. Working with the best Houston hard money lenders can ensure you that we know this market and we know the hotspots to make your next investment.

Houston Hard Money Lenders


Quick closing

Minimal doc collection

All investor loans (non-owner occupied)

No appraisals, credit or background checks

  • Loan includes a rehab budget which is 100% funded.
  • Leverage funds for multiple projects at once.
  • Asset based approval.
  • Quick and virtual rehab reimbursement.
  • Close fast with a shortened guaranteed interest.
  • No guaranteed interest.
  • Stay ultra-competitive while making offers.
  • Ideal for quick turnarounds and refinance exit stratgies.
  • Allows non-owner occupied investors to leverage their funds.
  • Ideal for auction purchases.
  • Close with cash and let us put it back in your pocket.
  • Get out of high interest rate private and hard money loans.
  • Participate in a transaction without bringing funds to the table.
  • Have a true closing to report.
  • Seamless transaction.
  • Bring your wholesaling game up a notch!

What Clients Say About Us!


At FlipCo, we understand that time is of the essence for real estate transactions. We can fund projects within 48 hours of receiving clear title and all underwriting documents.

The most important part of our deal structure is ensuring our client are set up for success. We go the extra mile to ensure that title issues are not overlooked, legal documents are prepared correctly for our clients and that our clients have all the tools they need for their projects. Our client’s success comes before anything else.

The monthly interest payment calculation is explained in detail via the agreed upon Term Sheet that is signed prior to project closing. We charge interest only payments and only ever on funds used.

Yes, every property we lend on is required to have title, builder’s risk, hazard, and general liability insurance.

  • Single Family Residential, up to 4 doors (No Owner-Occupied)
  • First lien position
  • Previously flooded properties require additional diligence from our underwriting team
  • Additional square footage will require a survey prior to funding

We typically approve our clients within 48 hours of receiving all required documents.

We do not require third party appraisals. All underwriting and price opinions are performed in house reducing project costs as well as providing enhanced efficiency to the underwriting process timeline.

  • Last 3 months of bank statements
  • Financial statement
  • Completed borrower application

We offer a 3 and 6 month term.

FlipCo typically does not require a credit check. We pride ourselves on lending on the asset and strategy rather than the borrower’s credit score.

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